JP4572913B2 - Store equipment and mail order system - Google Patents

Description

The present invention relates to a store apparatus of a store that sells products, and a mail-order sales system in which the store apparatus and a financial institution apparatus that holds customer financial information are connected to a communication network.

  The payment method when a purchaser purchases a product at an Internet store on the Internet is as follows: (1) The purchaser enters information such as a credit card number in the form formed on the Internet store's WWW page. A method of transmitting to a store computer, (2) a method using a SET (Secure Electronic Transaction) protocol, and (3) a method using a CAFIS (Credit And Finance Information System) are already known.

  However, in the above method (1), even if a connection is made between the purchaser's computer and the store computer using an authentication service called SSL (Secure Sockets Layer), the store side is malicious. If there is, there is a possibility that information on the purchaser's credit card may be leaked, and there is a concern about safety.

  In the above method (2), dedicated software is required, and the installation of the dedicated software is not only troublesome for the user, but also the storage area of the storage device such as a hard disk in the computer is the dedicated software. There was a problem of being used for wear.

  In the method (3), if the store side is malicious, information about the purchaser's credit card may be leaked. In addition, dedicated software is required for the store computer.

It is an object of the present invention, the apparatus-in-store that can be the purchaser is a safe payment, shop equipment and financial institutions unit and the mail-order system that is connected to the communication network, and to perform the product sales method The computer-readable recording medium which recorded the program of this is provided.

The store apparatus of the present invention is a store apparatus of a store that sells products, and when receiving access from a customer device of a purchaser instructing purchase of the product, the source data of the first Web page for purchase of the product is obtained as described above. Means for transmitting to the customer device, and purchase data including the product amount in accordance with the command from the customer device is transmitted to the financial institution device holding the customer's financial information, and the customer device is sent to the financial institution device. The access to the access destination is instructed, and the customer device receives the source data of the second Web page for inputting credit card data from the financial institution device, and the credit card data is sent to the financial institution device according to the input operation. Means for enabling transmission via the credit card data and the financial information by the financial institution device, The purchaser is payment possible customers of goods amount of money on the basis of when it is determined that a payment can be customers and means for executing the product sales, to the credit card data and the financial information by the financial institution system When it is determined that the credit card data and the credit card data are generated by the financial institution device, the source data of the Web page indicating the end of the product purchase procedure is created and stored in a predetermined URL as the source data of the third Web page When it is determined that the purchaser is not a customer who can pay for the product amount based on financial information, Web page source data indicating that product purchase is not possible is created and used as source data for the third Web page. Means for storing in URL and change of access destination to the predetermined URL in the customer device Means for Ryosuru receives access from the customer device to the predetermined URL, the source data of the first 3Web page stored in said predetermined URL including a means for transmitting to said customer device It is characterized by.

Further, the store apparatus of the present invention is a store apparatus of a store that sells products, and when receiving access from a customer device of a purchaser instructing purchase of the product, the source data of the first Web page for purchasing the product To the customer apparatus, and purchase data including a product price in accordance with a command from the customer apparatus is transmitted to the financial institution apparatus holding the customer's financial information, and the financial institution apparatus is transmitted to the customer apparatus. The customer apparatus receives the source data of the second Web page for inputting information related to credit card data from the financial institution apparatus and sends information related to credit card data in response to the input operation. Means for enabling transmission via the second Web page, and information related to the credit card data by the financial institution device. When it is determined that the purchaser is a customer who can pay for the product amount based on the financial information, Web page source data indicating the end of the product purchase procedure is created and is used as the third Web page source data. If the purchaser is determined not to be a customer who can pay for the product amount based on the information on the credit card data and the financial information by the financial institution device, the product purchase is prohibited. Means for generating source data of a Web page to be shown and storing it in the predetermined URL as source data of the third Web page; means for instructing the customer device to change the access destination to the predetermined URL; Upon receiving access from the customer device to a predetermined URL, the third URL stored in the predetermined URL The means for transmitting the source data of the eb page to the customer device, and the financial institution device determines that the purchaser is a customer who can pay the product amount based on the information on the credit card data and the financial information. And a means for executing merchandise sales.

The mail order system of the present invention includes a store apparatus for a store that sells products to a purchaser, a financial institution apparatus that holds customer financial information, and a communication line that connects the store apparatus and the financial institution apparatus to each other. And a store for sending the source data of the first Web page for purchasing the product to the customer device when the store device receives access from the customer device of the purchaser. And sending the purchase data including the product amount to the financial institution device according to the command from the customer device, and instructing the customer device to change the access destination to the financial institution device, and the customer device inputs the credit card data. Source data of the second Web page for use is received from the financial institution apparatus, and the credit card data is sent to the financial institution apparatus in response to an input operation. The financial institution apparatus receives the purchase data from the store apparatus, and receives access from the customer apparatus, the source data of the second Web page. When the credit card data and the financial information are received from the customer device, the purchaser is a customer who can pay for the product amount based on the credit card data and the financial information. And a means for notifying the store apparatus of the determination result, and the store apparatus further includes a customer that allows the purchaser to pay the product amount based on the determination result of the financial institution apparatus. If it is determined that the purchase price is determined, the purchaser can pay for the product price based on the determination result of the financial institution apparatus and the means for executing the product sale. When it is determined that the source data of the Web page indicating the end of the product purchase procedure is created, the data is stored in a predetermined URL as source data of the third Web page, and the determination result of the financial institution apparatus When it is determined that the purchaser is not a customer who can pay the product amount, the Web page source data indicating that the product cannot be purchased is created and stored as the third Web page source data in the predetermined URL. Means for instructing the customer device to change the access destination to the predetermined URL, and upon receiving access from the customer device to the predetermined URL, the third Web stored in the predetermined URL Means for transmitting the source data of the page to the customer device.

The recording medium of the present invention is a computer-readable recording medium that records a program for executing a merchandise selling method for selling merchandise, and the merchandise selling method is a customer device of a purchaser that instructs the purchase of a merchandise. The first web page source data for purchasing the product is transmitted to the customer device upon receiving access from the customer device, and the purchase data including the product price in accordance with the command from the customer device is used as the financial information of the customer. The customer apparatus receives the source data of the second Web page for inputting credit card data from the financial institution apparatus by transmitting to the financial institution apparatus possessed and instructing the customer apparatus to change the access destination to the financial institution apparatus. Enabling credit card data to be transmitted to the financial institution device via the second Web page in response to an input operation; When the financial institution device determines that the purchaser is a customer who can pay for the product amount based on the credit card data and the financial information, the product is sold, and the credit card is executed by the financial institution device. When it is determined that the purchaser is a customer who can pay for the product amount based on the data and the financial information, Web page source data indicating the end of the product purchase procedure is created and used as the third Web page source data. And a Web indicating that the purchase is not possible when it is determined by the financial institution device that the purchaser is not a customer who can pay the product amount based on the credit card data and the financial information. Create the source data of the page and use it as the source of the third web page Storing the data in the predetermined URL as data, instructing the customer device to change the access destination to the predetermined URL, and receiving the access from the customer device to the predetermined URL; Transmitting the source data of the third Web page stored in the URL to the customer device.

The recording medium of the present invention is a computer-readable recording medium that records a program for executing a merchandise selling method for selling merchandise, and the merchandise selling method includes a purchaser commanding purchase of a merchandise. Upon receiving access from the customer device, the step of transmitting the source data of the first Web page for purchasing the product to the customer device, and purchasing data including the product price in accordance with the command from the customer device, The financial information is transmitted to the financial institution device that holds the financial information, and the customer device is instructed to change the access destination to the financial institution device. The customer device sends the source data of the second Web page for inputting information related to credit card data to the financial device. Information relating to credit card data received from the institutional device according to the input operation is sent to the financial institution device via the second Web page. Enabling the transmission, and if the purchaser is determined to be a customer who can pay for the product amount based on the information on the credit card data and the financial information by the financial institution apparatus, the product purchase procedure ends. The web page source data indicating the data is created and stored in a predetermined URL as the third web page source data, and the purchaser selects the merchandise based on the information on the credit card data and the financial information by the financial institution apparatus. If it is determined that the customer is not payable for the amount of money, the step of creating source data of a Web page indicating that the product cannot be purchased and storing it as the source data of the third Web page in the predetermined URL; Step for instructing the customer device to change the access destination to a predetermined URL And, upon receiving access from the customer device to the predetermined URL, transmitting the source data of the third Web page stored in the predetermined URL to the customer device; and the credit by the financial institution device And a step of selling a product when it is determined that the purchaser is a customer who can pay for the product amount based on the information related to the card data and the financial information.

  As described above, according to the present invention, credit card data such as the credit card number and password of the product purchaser is transmitted to the financial institution apparatus, and the payment capability is determined for the purchaser in the financial institution apparatus. Since the result is notified to the store apparatus, the credit card data of the customer is not supplied to the store apparatus, and the product purchaser can pay safely.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 shows a mail order system according to the present invention. This mail order system includes a store apparatus 1, a financial institution apparatus 2, a customer apparatus 3, and a delivery company apparatus 4. Each of the store apparatus 1, the financial institution apparatus 2, the customer apparatus 3, and the delivery company apparatus 4 is provided. The communication is possible via the Internet network 5. The store apparatus 1 is installed in the store, and the financial institution apparatus 2 is installed in the facility of the financial institution. Financial institutions are banks and credit card companies. The customer apparatus 3 need not always be connected to the Internet line network 5, but can be connected to the Internet line network 5 via the public telephone line network 6 and the provider apparatus 7 as shown in FIG. The delivery company apparatus 4 is installed in the delivery company facility.

  The store apparatus 1 includes a WWW server 11 and a mail server 12. Each of the WWW server 11 and the mail server 12 is connected to the Internet network 5 via a firewall 13. In addition, the store apparatus 1 includes a storage device 14 that forms a database that can be read and written from the WWW server 11 and the mail server 12.

  The financial institution apparatus 2 also includes a WWW server 21 and a mail server 22. Each of the WWW server 21 and the mail server 22 is connected to the Internet network 5 through a firewall 23. In addition, the financial institution apparatus 2 includes a storage device 24 that forms a database that can be read and written from the WWW server 21 and the mail server 22.

  The delivery company apparatus 4 is also provided with a WWW server 41 and a mail server 42. Each of the WWW server 41 and the mail server 42 is connected to the Internet network 5 via a firewall 43. Further, the delivery company apparatus 4 is provided with a storage device 44 that forms a database that can be read and written from the WWW server 41 and the mail server 42, respectively.

  In each of the store apparatus 1, the financial institution apparatus 2, and the delivery company apparatus 4, a router (not shown) is provided between the firewalls 13, 23, and 43 and the Internet network 5.

  The customer apparatus 3 is a so-called personal computer, and is connectable to the public telephone line network 6 by a modem or TA (terminal adapter) not shown. Further, the customer apparatus 3 includes a WWW browser as application software. When the WWW browser is activated, a desired URL (Uniform Resource Locator) on the Internet is accessed in accordance with the purchaser's operation, and an HTML file is obtained therefrom. Source data including can be captured and displayed as a Web page on a display via a WWW browser video.

  In the communication system having such a configuration, TCP / IP is used as a communication protocol, and IP addresses are assigned to the WWW servers 11 and 21, the mail servers 12 and 22, and the firewalls 13 and 23, respectively.

  Next, the operation of the communication system will be described with reference to the sequence diagram of FIG.

  The purchaser operates the customer apparatus 3 to display a WWW browser image on the display screen, and the customer apparatus 3 accesses a URL corresponding to the Web page (homepage) of the WWW server 11 in the store apparatus 1 (step S1). This access is performed from the customer apparatus 3 through the public telephone line network 6, the provider apparatus 7, the Internet line network 5, and the firewall 13 of the store apparatus 1.

  The WWW server 11 transmits the source data of the accessed URL to the customer apparatus 3 (step S2). Source data is supplied from the WWW server 11 to the customer apparatus 3 via the firewall 13 of the store apparatus 1, the Internet line network 5, the provider apparatus 7, and the public telephone line network 6.

  The customer device 3 receives the source data sent from the WWW server 11 and displays a Web page on the display screen (step S3).

  These steps S1 to S3 are repeated according to the access operation to the URL corresponding to the purchaser's new page.

  When the purchaser selects a product displayed on the Web page with a key or a mouse pointer, product data indicating the selected product is transmitted from the customer apparatus 3 to the WWW server 11 (step S4). When receiving the product data, the WWW server 11 transmits source data corresponding to the financial institution selection Web page to the customer apparatus 3 (step S5).

  The customer apparatus 3 receives the source data corresponding to the financial institution selection Web page sent from the WWW server 11 and displays the Web page on the display screen (step S6). When the purchaser selects any one of a plurality of financial institutions displayed on the Web page with a key or a mouse pointer, financial institution data indicating the selected financial institution is transmitted from the customer apparatus 3 to the WWW server 11. (Step S7). Here, the selected financial institution is a financial institution equipped with the financial institution apparatus 2.

  When the WWW server 11 receives the financial institution data, the WWW server 11 transmits purchase data including an amount corresponding to the selected product, a serial number, a store name, and a digital signature of the store to the WWW server 21 in the financial institution apparatus 2 of the selected financial institution ( Step S8). Further, the customer apparatus 3 is instructed to change the predetermined URL of the WWW server 21 in the financial institution apparatus 2 to a page (step S9). A script language such as Perl is used for these data transmission and change commands. Purchase data is supplied from the WWW server 11 to the WWW server 21 in the financial institution apparatus 2 through the firewall 13, the Internet network 5 and the firewall 23.

  When the WWW server 21 in the financial institution apparatus 2 receives the purchase data, it confirms the amount, serial number, store name, and store digital signature in the purchase data, and creates a user input page based on the purchase data ( Step S10). The source data of the user input page is stored in the first predetermined URL, and the customer apparatus 3 is instructed to change to the page of the first predetermined URL of the WWW server 21 in the financial institution apparatus 2 (step S11). On the user input page, items such as the customer's name, credit card number (or bank account number), personal identification number, and customer's digital signature can be entered.

  When the customer apparatus 3 receives the page change command in step S9 or S11, the customer apparatus 3 accesses the first predetermined URL of the WWW server 21 in the financial institution apparatus 2 (step S12). Note that the access destination may be changed by operating a button arranged on the Web page based on the source data sent from the WWW server 11.

  The WWW server 21 transmits the source data of the accessed first predetermined URL to the customer device 3 (step S13). Until the source data of the user input page is stored in the first predetermined URL, for example, initial data indicating that the input page is being created is stored.

  The customer device 3 receives the source data sent from the WWW server 21 and displays a Web page on the display screen (step S14). Since the sent source data finally becomes the source data of the user input page, the Web page displayed on the display screen of the customer apparatus 3 becomes the user input page. That is, the input of credit card data is requested by displaying the user input page.

  The purchaser inputs characters by key operation on each input item such as the customer name, credit card number, password, and customer digital signature on the user input page. When the input operation for each input item is completed, when the purchaser operates the transmission button displayed on the page with the key or the mouse pointer, the input data is transmitted from the customer apparatus 3 to the WWW server 21 (step S15). ). In this transmission, the input data is encrypted by SSL. By using SSL, there is an advantage that data can be safely transmitted via a communication network without using dedicated software.

  When receiving the input data, the WWW server 21 confirms the customer's name, credit card number, password, and customer's digital signature in the input data, and stores the input data in the database 24 (step S16). And it is discriminate | determined whether a purchaser can pay (step S17). This determination is for confirming whether the purchaser or payer corresponding to the credit card number has the payment capability, and may be performed based on the customer's financial information stored in the database 24. In addition, an external customer financial information database may be queried via the Internet network 5.

  If the determination result in step S17 is payable, the WWW server 21 sends payable data including the amount charged to the purchaser, the store name, the serial number, the digital signature of the store, and the digital signature of the financial institution to the WWW server 11. (Step S18). If the determination result of step S17 is unpaid, the unpaid data is transmitted to the WWW server 11 in the store apparatus 1 (step S19). Moreover, the customer apparatus 3 is instructed to change the page of the second predetermined URL of the WWW server 11 in the store apparatus 1 (step S20).

  When receiving data from the WWW server 21, the WWW server 11 displays the content of the received data on its own display screen (step S21), and stores the received data in the database 14 in association with the serial number and the selected product (step S21). S22). Further, it is determined whether or not the received data is payable data (step S23). In the case of payable data, Web page source data indicating that the product purchase procedure has been completed is created and stored in the second predetermined URL (step S24). In the case of non-payable data, source data of a Web page indicating that the product cannot be purchased is created by a command from a financial institution and stored in the second predetermined URL (step S25). After execution of step S24 or S25, the customer apparatus 3 is instructed to change the access destination to the page of the second predetermined URL of the WWW server 11 in the store apparatus 1 (step S26).

  When the customer apparatus 3 receives the page change command in step S20 or S26, the customer apparatus 3 accesses the second predetermined URL of the WWW server 11 in the store apparatus 1 (step S27). Note that the access destination may be changed by operating a button arranged on the Web page based on the source data sent from the WWW server 21.

  The WWW server 11 transmits the source data of the accessed second predetermined URL to the customer device 3 (step S28). For example, initial data indicating that a product is being purchased is stored until the source data of the Web page indicating whether or not the product can be purchased is stored in the second predetermined URL.

  The customer device 3 receives the source data sent from the WWW server 11 and displays a Web page on the display screen (step S29). A Web page indicating that the product purchase procedure has been completed or a Web page indicating that the product cannot be purchased is displayed according to a command from a financial institution according to the source data sent. The customer can determine whether or not the current product purchase is successful from the display content of the display screen.

  In the store, the delivery of the commodity determined to be payable is arranged according to the data for each serial number stored in the storage device 14 of the database.

  The mail server 12 in the store apparatus 1 creates a delivery order form based on the data stored in the storage device 14 as shown in FIG. 3, and transmits it to the mail server 42 of the delivery company apparatus 4 as an e-mail. (Step S31). In addition to the store name, serial number, and product name, the delivery order form includes customer data such as customer name, customer address and telephone number, and delivery date and time to the customer. The delivery order form also includes the date and time of receipt of the delivery product at the store.

  As shown in FIG. 4, the mail server 42 in the delivery company apparatus 4 periodically monitors the reception state of the e-mail (step S32). When the e-mail is received, is the e-mail including the delivery order form? It is determined whether or not (step S33). This is determined by, for example, the subject (subject) of the electronic mail or a delivery order form in a predetermined format. If it is determined in step S33 that the order is a delivery order, the contents of the order are stored in the database storage device 44 (step S34), and an e-mail indicating the delivery order receipt date and time is returned to the mail server 12 of the store apparatus 1. (Step S35).

  The mail server 42 in the delivery company apparatus 4 transmits an email of the delivery request form to the terminal device (not shown) of the person in charge of the delivery company according to the data stored in the storage device 44 of the database (step S36). This delivery request form includes the store name, the date and time of receipt of the delivery product at the store, the product name, the customer name, the customer address and telephone number, and the delivery date and time to the customer.

  In steps S31 to S36, a delivery order form or the like can be automatically sent by e-mail by the mail server 12 sharing the database with the WWW server 11. As a result, the time required for the delivery process is shortened, and the product can be quickly delivered to the customer. Needless to say, it may be mailed in writing without the automatic sending process.

  Further, as shown in FIG. 3, the mail server 12 in the store apparatus 1 creates an invoice based on the data stored in the database 14, and transmits it as an e-mail to the mail server 22 of the financial institution apparatus 2. (Step S41). The invoice includes a serial number, a store digital signature and a financial institution digital signature. This is because the serial number indicates which product purchase the bill is for. This is to show that the digital signature of the financial institution is a legitimate request.

  As shown in FIG. 5, the mail server 22 in the financial institution apparatus 2 periodically monitors the reception state of the e-mail (step S42). When the e-mail is received, it is determined whether the e-mail includes an invoice. Is discriminated (step S43). This is determined, for example, based on whether or not the text of the e-mail is a bill in a predetermined format including digital signatures of financial institutions and stores. If it is determined in step S43 that it is a bill, it is determined whether or not the digital signature of the financial institution attached to the bill is its own signature (step S44). Further, it is determined based on the data stored in the storage device 24 whether or not the digital signature of the store attached to the invoice is an appropriate signature (step S45). Since the store's digital signature is stored for each serial number in the storage device 24, the store's digital signature is read from the storage device 24 and compared with the store's digital signature attached to the bill. When it is confirmed in both steps S44 and S45 that the digital signature of the financial institution and the store is an appropriate signature, an e-mail indicating the payment amount to the store is sent to the financial institution according to the data stored in the storage device 24. To the terminal device (not shown) of the person in charge of payment (step S46). Further, the usage details are transmitted to the customer by e-mail (step S47).

  In steps S41 to S46, an invoice can be automatically sent by e-mail by the mail server 12 sharing the database with the WWW server 11. However, it may be mailed in writing without being automatically sent.

It is a block diagram which shows the mail order system by this invention. It is a figure which shows the sequence of each apparatus of FIG. It is a flowchart which shows operation | movement of the mail server of a shop apparatus. It is a flowchart which shows operation | movement of the mail server of a delivery company apparatus. It is a flowchart which shows operation | movement of the mail server of a financial institution apparatus.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Store apparatus 2 Financial institution apparatus 3 Customer apparatus 4 Delivery company apparatus 5 Internet line network 6 Public telephone line network 7 Provider apparatus

Claims (7)

A store device of a store that sells products,
Means for transmitting source data of a first Web (web) page for purchasing a product to the customer device upon receiving access from a customer device of a purchaser instructing purchase of the product;
Purchasing data including a product amount in accordance with a command from the customer device is transmitted to a financial institution device holding customer financial information, and the customer device is instructed to change an access destination to the financial institution device. Means for receiving source data of a second web page for inputting credit card data from the financial institution apparatus and enabling transmission of credit card data to the financial institution apparatus via the second web page in response to an input operation;
Means for executing product sales when it is determined by the financial institution device that the purchaser is a customer who can pay for the product amount based on the credit card data and the financial information;
When the financial institution apparatus determines that the purchaser is a customer who can pay for the product amount based on the credit card data and the financial information, the source data of the Web page indicating the end of the product purchase procedure is created. Means for storing it in a predetermined URL (Uniform Resource Locator) as source data of the third Web page;
When it is determined by the financial institution device that the purchaser is not a customer who can pay for the product amount based on the credit card data and the financial information, source data of a Web page indicating that the product cannot be purchased is created and used. Means for storing in the predetermined URL as source data of the third Web page;
Means for instructing the customer device to change the access destination to the predetermined URL;
A store comprising: means for transmitting the source data of the third Web page stored in the predetermined URL to the customer device upon receiving an access from the customer device to the predetermined URL; apparatus. A store device of a store that sells products,
Means for transmitting to the customer device the source data of the first Web page for purchase of the product upon receiving access from the customer device of the purchaser instructing the purchase of the product;
Purchasing data including a product amount in accordance with a command from the customer device is transmitted to a financial institution device holding customer financial information, and the customer device is instructed to change an access destination to the financial institution device. Receives the source data of the second Web page for inputting information related to credit card data from the financial institution apparatus, and enables the information related to credit card data to be transmitted to the financial institution apparatus via the second Web page in response to an input operation. Means,
If the financial institution apparatus determines that the purchaser is a customer who can pay the product amount based on the information on the credit card data and the financial information, the source data of the Web page indicating the end of the product purchase procedure Is stored in a predetermined URL as source data of the third web page,
If the financial institution apparatus determines that the purchaser is not a customer who can pay for the product amount based on the information related to the credit card data and the financial information, source data of a Web page indicating that the product cannot be purchased is created And storing it in the predetermined URL as source data of the third Web page;
Means for instructing the customer device to change the access destination to the predetermined URL;
Means for transmitting source data of the third Web page stored in the predetermined URL to the customer device upon receiving access from the customer device to the predetermined URL;
Means for executing merchandise sales when the financial institution apparatus determines that the purchaser is a customer who can pay for the merchandise amount based on the information on the credit card data and the financial information. Store equipment that features.   The store apparatus according to claim 1 or 2, wherein the financial institution is a bank.   The store apparatus according to claim 1 or 2, wherein the financial institution is a credit card company. A mail order system including a store apparatus of a store that sells products to a purchaser, a financial institution apparatus that holds customer financial information, and a communication line network that connects the store apparatus and the financial institution apparatus to each other. There,
The store apparatus is
Means for transmitting source data of a first web page for purchase of goods to the customer device upon receiving access from the customer device of the purchaser;
In response to a command from the customer device, purchase data including a product amount is transmitted to the financial institution device, and the customer device is instructed to change the access destination to the financial institution device. Means for receiving source data of a second web page from the financial institution device and enabling the credit card data to be transmitted to the financial institution device via the second web page in response to an input operation;
The financial institution apparatus is
Means for receiving the purchase data from the store apparatus;
Means for transmitting source data of the second web page to the customer device upon receiving access from the customer device;
When the credit card data is received from the customer device, the purchaser determines whether or not the purchaser is a customer who can pay for the product amount based on the credit card data and the financial information, and the determination result is used as the store device. And means for notifying to,
The store apparatus further includes:
Means for executing product sales when it is determined that the purchaser is a customer who can pay for the product amount based on the determination result of the financial institution device;
When it is determined that the purchaser is a customer who can pay the product amount based on the determination result of the financial institution apparatus, Web page source data indicating the end of the product purchase procedure is created, and the third Web page is generated. Means for storing in a predetermined URL as source data of
Based on the determination result of the financial institution apparatus, when it is determined that the purchaser is not a customer who can pay for the commodity amount, Web page source data indicating that the commodity cannot be purchased is created and is used as the third Web page. Means for storing the source data in the predetermined URL;
Means for instructing the customer device to change the access destination to the predetermined URL;
Means for transmitting the source data of the third Web page stored in the predetermined URL to the customer device when receiving the access from the customer device to the predetermined URL. Sales system. A computer-readable recording medium storing a program for executing a product sales method for selling products,
The product sales method is:
Transmitting the source data of the first web page for purchase of the product to the customer device upon receiving access from the customer device of the purchaser instructing the purchase of the product;
Purchasing data including a product amount in accordance with a command from the customer device is transmitted to a financial institution device holding customer financial information, and the customer device is instructed to change an access destination to the financial institution device. Receiving the source data of the second web page for inputting credit card data from the financial institution apparatus and enabling the credit card data to be transmitted to the financial institution apparatus via the second web page in response to an input operation;
When the financial institution apparatus determines that the purchaser is a customer who can pay for the product amount based on the credit card data and the financial information, executing product sales;
When the financial institution apparatus determines that the purchaser is a customer who can pay for the product amount based on the credit card data and the financial information, the source data of the Web page indicating the end of the product purchase procedure is created. Storing it in a predetermined URL as source data of a third Web page;
When it is determined by the financial institution device that the purchaser is not a customer who can pay for the product amount based on the credit card data and the financial information, source data of a Web page indicating that the product cannot be purchased is created and used. Storing in the predetermined URL as source data of the third Web page;
Instructing the customer device to change the access destination to the predetermined URL;
When receiving an access from the client device to the predetermined URL, the recording, characterized in that it comprises the steps of: transmitting a source data of the first 3Web page stored in the predetermined URL to the customer device Medium . A computer-readable recording medium storing a program for executing a product sales method for selling products,
The product sales method is:
Upon receiving access from a customer device of a purchaser instructing purchase of a product, transmitting source data of a first Web page for purchase of the product to the customer device;
Purchasing data including a product amount in accordance with a command from the customer device is transmitted to a financial institution device holding customer financial information, and the customer device is instructed to change an access destination to the financial institution device. Receives the source data of the second Web page for inputting information related to credit card data from the financial institution apparatus, and enables the information related to credit card data to be transmitted to the financial institution apparatus via the second Web page in response to an input operation. Steps,
If the financial institution apparatus determines that the purchaser is a customer who can pay the product amount based on the information on the credit card data and the financial information, the source data of the Web page indicating the end of the product purchase procedure Is stored in a predetermined URL as source data of the third web page,
If the financial institution apparatus determines that the purchaser is not a customer who can pay for the product amount based on the information related to the credit card data and the financial information, source data of a Web page indicating that the product cannot be purchased is created And storing it in the predetermined URL as source data of the third Web page;
Instructing the customer device to change the access destination to the predetermined URL;
Upon receiving access from the customer device to the predetermined URL, sending source data of the third Web page stored in the predetermined URL to the customer device;
When the financial institution apparatus determines that the purchaser is a customer who can pay for the product amount based on the information on the credit card data and the financial information, the product is provided with a step of executing product sales. A characteristic recording medium .

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